SPY,XLP,XLV,XLU,XLE,XLF: Total Real Return Chart (Dividends Reinvested, Inflation Adjusted)

Tue 1998-12-22? to Wed 2026-04-01	YTD Return	TRR Price
SPY ×	−4.68% 2026-04-01	11.79 TRR 2026-04-01
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP ×	+4.33% 2026-04-01	2.914 TRR 2026-04-01
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV ×	−5.20% 2026-04-01	4.411 TRR 2026-04-01
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU ×	+7.61% 2026-04-01	4.006 TRR 2026-04-01
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE ×	+31.34% 2026-04-01	5.097 TRR 2026-04-01
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF ×	−10.24% 2026-04-01	2.216 TRR 2026-04-01
Financial Select Sector SPDR Fund Exchange-Traded Fund

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Returns

Tue 1998-12-22? to Wed 2026-04-01	Overall Return	Exponential Trendline
SPY ×	+337.21% +5.56%/yr	+6.24%/yr (R2=0.780)
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP ×	+191.45% +4.00%/yr	+5.98%/yr (R2=0.884)
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV ×	+341.12% +5.59%/yr	+6.99%/yr (R2=0.854)
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU ×	+300.61% +5.22%/yr	+5.96%/yr (R2=0.897)
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE ×	+409.68% +6.15%/yr	+4.28%/yr (R2=0.614)
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF ×	+121.60% +2.96%/yr	+2.40%/yr (R2=0.232)
Financial Select Sector SPDR Fund Exchange-Traded Fund

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Growth of $10,000

Tue 1998-12-22? to Wed 2026-04-01	Start Value	End Value
SPY ×	$10,000.00 1998-12-22	$43,720.56 2026-04-01
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP ×	$10,000.00 1998-12-22	$29,144.90 2026-04-01
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV ×	$10,000.00 1998-12-22	$44,111.68 2026-04-01
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU ×	$10,000.00 1998-12-22	$40,060.82 2026-04-01
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE ×	$10,000.00 1998-12-22	$50,968.02 2026-04-01
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF ×	$10,000.00 1998-12-22	$22,160.47 2026-04-01
Financial Select Sector SPDR Fund Exchange-Traded Fund

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Annual Returns

Year	SPY	XLP	XLV	XLU	XLE	XLF
2026 (YTD)	−4.68%	+4.33%	−5.20%	+7.61%	+31.34%	−10.24%
2025	+14.65%	−1.13%	+11.52%	+13.00%	+5.08%	+11.91%
2024	+21.39%	+9.06%	−0.39%	+19.85%	+2.59%	+26.92%
2023	+22.09%	−4.02%	−1.24%	−10.16%	−3.81%	+8.38%
2022	−23.15%	−6.85%	−8.04%	−4.73%	+54.26%	−16.01%
2021	+20.27%	+9.51%	+17.76%	+9.96%	+43.21%	+25.92%
2020	+16.74%	+8.62%	+11.78%	−0.83%	−33.58%	−3.07%
2019	+28.29%	+24.59%	+17.76%	+23.14%	+8.17%	+28.93%
2018	−6.35%	−9.79%	+4.29%	+1.96%	−19.74%	−14.66%
2017	+19.19%	+10.65%	+19.24%	+9.76%	−2.94%	+19.47%
2016	+9.72%	+2.84%	−4.73%	+13.68%	+25.43%	+19.92%
2015	+0.50%	+6.10%	+6.05%	−5.58%	−22.05%	−2.47%
2014	+12.61%	+14.85%	+24.19%	+27.76%	−9.36%	+14.19%
2013	+30.35%	+24.44%	+39.31%	+11.36%	+24.35%	+33.51%
2012	+14.01%	+8.83%	+15.38%	−0.68%	+3.42%	+26.19%
2011	−1.04%	+10.82%	+9.15%	+16.19%	−0.10%	−19.51%
2010	+13.35%	+12.09%	+1.79%	+3.79%	+19.97%	+10.23%
2009	+23.01%	+11.27%	+16.37%	+8.73%	+18.54%	+14.46%
2008	−36.85%	−15.13%	−23.39%	−28.95%	−39.02%	−54.93%
2007	+1.01%	+8.27%	+2.95%	+13.72%	+31.52%	−22.37%
2006	+13.00%	+11.70%	+4.42%	+17.95%	+15.21%	+16.00%
2005	+1.36%	−0.57%	+2.87%	+12.48%	+35.47%	+2.65%
2004	+7.21%	+4.24%	−1.92%	+19.73%	+29.73%	+7.39%
2003	+25.81%	+9.10%	+12.81%	+24.12%	+23.45%	+28.06%
2002	−23.40%	−21.93%	−3.05%	−30.42%	−16.62%	−16.71%
2001	−13.10%	−11.29%	−2.34%	−14.35%	−19.38%	−10.81%
2000	−12.70%	+21.40%	−14.50%	+18.45%	+20.31%	+21.71%
1999	+17.24%	−16.48%	+16.38%	−5.74%	+14.90%	+0.00%
1998	+26.65%	+2.47%	+3.88%	+1.39%	+0.35%	+0.54%
1997	+31.25%	—	—	—	—	—
1996	+18.61%	—	—	—	—	—
1995	+34.63%	—	—	—	—	—
1994	−2.22%	—	—	—	—	—
1993	+6.21%	—	—	—	—	—

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Drawdowns

Tue 1998-12-22? to Wed 2026-04-01	Current Drawdown	Worst Drawdown
SPY ×	−6.36%	−58.56% 2009-03-09
SPDR S&P 500 ETF Trust Exchange-Traded Fund
XLP ×	−9.22%	−39.25% 2003-03-10
Consumer Staples Select Sector SPDR Fund Exchange-Traded Fund
XLV ×	−8.01%	−41.69% 2009-03-09
Health Care Select Sector SPDR Fund Exchange-Traded Fund
XLU ×	−2.97%	−54.13% 2002-10-09
Utilities Select Sector SPDR Fund Exchange-Traded Fund
XLE ×	−5.77%	−73.76% 2020-03-18
Energy Select Sector SPDR Fund Exchange-Traded Fund
XLF ×	−12.77%	−83.33% 2009-03-06
Financial Select Sector SPDR Fund Exchange-Traded Fund